Tracy Becker is the President & CEO of North Shore Advisory, Inc. (NSA). NSA is one of the oldest and most respected Credit Education/Restoration Companies in the United States. Tracy is the featured Credit Expert on “The Eye on Real Estate” radio show hosted by Dottie Herman, CEO and President of Prudential Douglas Elliman Realty. She is a Certified Fico Professional and has authored two books on the subject of credit. Her latest “Credit Score Power” is available for purchase on her website. Tracy and her staff of experts have increased credit scores for thousands of individuals and businesses. They have saved hundreds of thousands if not millions for clients. Tracy is a popular writer for publications such as CPA Journal, Accounting Today, Investment News, American Banker, and more. She has been quoted in Bankrate.com, The Daily News, Brokers Weekly, Reuters, The Real Deal, The Mann Report, and more. Visit us at www.northshoreadvisory.com (function() { var po = document.createElement('script'); po.type = 'text/javascript'; po.async = true; po.src = 'https://apis.google.com/js/plusone.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(po, s); })(); Tracy Becker Credit Expert and AuthorTumblr (3.0; @tracybeckercreditexpert)http://tracybeckercreditexpert.tumblr.com/Private Student Loans and CreditMost private student loans usually have variable rates that were tabulated based on the consumers...http://tracybeckercreditexpert.tumblr.com/post/51147559782http://tracybeckercreditexpert.tumblr.com/post/51147559782Thu, 23 May 2013 09:55:20 -0400student loanscreditcreditscoretracy beckernorth shore advisoryficocredit reportcredithistoryinterestraterefinancecredittipcrediteducationcreditrestorationprivatestudentloansloansstudentCo-signing Student LoansCo-signing on student loans means the co-signer who may not have control of the payments will still...http://tracybeckercreditexpert.tumblr.com/post/50988090490http://tracybeckercreditexpert.tumblr.com/post/50988090490Tue, 21 May 2013 09:40:00 -0400student loanscreditcosigncredit scorecfpbnorth shore advisorycredit educationcredit restorationdelinquencystudent loan debtcredit historyI have finally paid off in full, a 5m mortgage after 2+ years of default and have one Amex balance of 30k left which was charged off 2 years ago. GC services will take half but CR will show Settled. If I pay full amount I get a Paid. All other mortgages, car loans and credit cards have alway been paid on time. Will one Settled hurt me much when the account has already been charged off, versus all the other accounts having been fully paid with significantly more dollar volume?A mortgage that has been in default for two years and an already charged off account have dropped...http://tracybeckercreditexpert.tumblr.com/post/50934336996http://tracybeckercreditexpert.tumblr.com/post/50934336996Mon, 20 May 2013 17:21:45 -0400Can one more credit review or “hard inquiry “ have a major impact on credit scores and cause problems when trying to get loan approval? The answer is YES it could.For Example: John was about to purchase a condo in NYC. The mortgage he needed approval for was...http://tracybeckercreditexpert.tumblr.com/post/50658633564http://tracybeckercreditexpert.tumblr.com/post/50658633564Fri, 17 May 2013 12:24:00 -0400ficopreapprovalhardinquiriescreditcrediteducationcreditrestorationmortgagecreditscorenorthshoreadvisorytracybeckerthirdpartyreviewcreditcardcreditreportStay at home spouse can now use their partners income to get approval for credit cardsThe Credit Card Act of 2009 has been amended to help “stay at home spouses” who are working in the...http://tracybeckercreditexpert.tumblr.com/post/50508336763http://tracybeckercreditexpert.tumblr.com/post/50508336763Wed, 15 May 2013 14:13:45 -0400credit card act 2009creditcredit scorenorth shore advisorycredit restorationcredit educationtracy beckercredit tipMy FICO score is 720. My total debt is $38K (student loans, car, and credit cards). My annual income is about $33K, and I've held my job for about 2yrs. Do you think I can qualify for a home loan? What should I do to get to that level?This is a mortgage question not a credit question. If you would like to speak with a banker about a...http://tracybeckercreditexpert.tumblr.com/post/49867385244http://tracybeckercreditexpert.tumblr.com/post/49867385244Tue, 07 May 2013 14:21:00 -0400Credit Tip: Thirty day late payment on a mortgage due to change in service provider could cause a rejection for a refinance or purchase!One recent 30 day late payment on a mortgage will cause a rejection for a refinance or purchase and...http://tracybeckercreditexpert.tumblr.com/post/49787315969http://tracybeckercreditexpert.tumblr.com/post/49787315969Mon, 06 May 2013 14:22:29 -0400late paymentcreditcredit scoreficonorth shore advisorytracy beckermortgagejunk mailcredit educationcredit tipcredit restorationscore drops Leased cars and credit scoresA popular cause of huge decreases in credit scores are collections at the end of a car lease. Many...http://tracybeckercreditexpert.tumblr.com/post/48787808273http://tracybeckercreditexpert.tumblr.com/post/48787808273Wed, 24 Apr 2013 14:37:43 -0400car loancar leasescredit scoreficoleasecollection accountcollectionscreditorcredit educationcredit restortationtracy beckerIs It True That Credit Card Grantors Can Close An Individuals Accounts Without Notice?Many of us have found ourselves in a position over the past 5-7 years where one or more of our...http://tracybeckercreditexpert.tumblr.com/post/48144589309http://tracybeckercreditexpert.tumblr.com/post/48144589309Tue, 16 Apr 2013 17:12:48 -0400tracy beckernorth shore advisorygrantorscreditorscredit educationcredit restorationbalance to limit ratioclosing accountscredit scorecreditficoSpring is in the air! This is the season for romance but with romance comes relationships and for many marriage. Although...http://tracybeckercreditexpert.tumblr.com/post/47540371171http://tracybeckercreditexpert.tumblr.com/post/47540371171Tue, 09 Apr 2013 10:33:47 -0400north shore advisorycredit educationcredit restorationcredit scorecreditfico scorejoint accountsjoint creditmortgagedefaultrefinancecredit and divorceA $60 Collection Account Can Cause Huge Credit Score DropsA collection account can be placed on credit reports for something as minor as not paying a parking...http://tracybeckercreditexpert.tumblr.com/post/47129046413http://tracybeckercreditexpert.tumblr.com/post/47129046413Thu, 04 Apr 2013 16:12:55 -0400collection accountcredit scoreficofico certified professionalcredit score dropscredit reportscollection agencytracy beckercredit coachcredit expertnorth shore advisorycredit restorationcredit educationImpact of a Minor Collection AccountA collection account can be placed on credit reports for something as minor as not paying a parking...http://tracybeckercreditexpert.tumblr.com/post/46936416933http://tracybeckercreditexpert.tumblr.com/post/46936416933Tue, 02 Apr 2013 10:14:00 -0400collection accountcreditcredit scorenorth shore advisorytracy beckercredit educationcredit restorationficofico certified professionalcredit reportsThe down side of co-signing for a child or friend.We have had many clients who come to us for help due to derogatory credit from co-signing for a...http://tracybeckercreditexpert.tumblr.com/post/46602758364http://tracybeckercreditexpert.tumblr.com/post/46602758364Fri, 29 Mar 2013 12:51:12 -0400cosigncreditcrediteducationcreditrestorationnorthshoreadvisorytracybeckercreditscoreWhen is it time for young consumers to start building credit? Starting to build good credit and scores should be done at a young age. Since the Credit Card...http://tracybeckercreditexpert.tumblr.com/post/46420146656http://tracybeckercreditexpert.tumblr.com/post/46420146656Wed, 27 Mar 2013 10:03:52 -0400creditcredit cardcredit card accountability actnorth shore advisorytracy beckerficobuilding creditorder credit reportsnew creditco signAuthorized UsersCredit Scores and TaxesAny tax liens updated on credit can affect Fico scores dramatically. A new tax lien can drop scores...http://tracybeckercreditexpert.tumblr.com/post/45770855371http://tracybeckercreditexpert.tumblr.com/post/45770855371Tue, 19 Mar 2013 15:09:55 -0400taxlientaxescreditscorescreditficotracybeckernorthshoreadvisoryThere are so many misconceptions about the impact of a delinquency on a small debt credit card.Recently a man came to me for help. The first thing he did was tell me what I needed to do for him....http://tracybeckercreditexpert.tumblr.com/post/45417755484http://tracybeckercreditexpert.tumblr.com/post/45417755484Fri, 15 Mar 2013 09:48:16 -0400creditcreditscoretracybeckercrediteducationcredit restorationnorth shore advisorycredit cardlate paymentWhy is getting rid of old credit cards that you may not use much a bad thing?How many times have I heard, “This card is so old and I rarely use it. I want to close it...http://tracybeckercreditexpert.tumblr.com/post/45190019898http://tracybeckercreditexpert.tumblr.com/post/45190019898Tue, 12 Mar 2013 10:38:00 -0400credit cardsnorth shore advisorytracy beckercredit educationcredit restorationcredit scorecredit repaircreditor Which is worse for my ability to refinance in the future, having a late payment on a mortgage or having a late payment on a credit card?When it comes to credit scores both of these events will be harmful to credit scores but if you are...http://tracybeckercreditexpert.tumblr.com/post/44859345001http://tracybeckercreditexpert.tumblr.com/post/44859345001Fri, 08 Mar 2013 09:17:21 -0500Scorecards & Credit Scores“How can my credit score be so low? I have been paying all my important accounts on time for...http://tracybeckercreditexpert.tumblr.com/post/44633342081http://tracybeckercreditexpert.tumblr.com/post/44633342081Tue, 05 Mar 2013 11:29:36 -0500tracybeckernorth shore advisorycredit educationcredit restorationcredit scorescore cardsficocredit bureauscreditcredit repairCredit Question - Collection AccountI owe a major bank debt for a credit card. They have been sending me settlement offers from the...http://tracybeckercreditexpert.tumblr.com/post/44141389640http://tracybeckercreditexpert.tumblr.com/post/44141389640Wed, 27 Feb 2013 09:56:00 -0500tracybeckercredit restorationcrediteducationnorthshoreadvisorycollectioncollectionagencycollectionaccountscreditcreditscorecreditrepaircreditrestorationcreditorsdefaultcreditreportsdebt